Overview / Commentary
888-723-7328
1860 Embarcadero Rd
Palo Alto, CA 94303-3335

Stanford Federal Credit Union is headquartered in Palo Alto and is the 19th largest credit union in the state of California. It is also the 95th largest credit union in the nation. It was established in 1959 and as of September of 2018, it had grown to 182 employees and 67,123 members at 5 locations. Stanford Federal Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

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Reviews (2)

Excellent local credit union for Stanford-affiliated individuals

Posted by: aychen24 | Oct 14, 2016

Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.

Poor Customer Service, Harsh Early Withdrawal Penalty

Posted by: Lookin | Aug 29, 2012

You'd think a credit union located on campus at Stanford would be great.  But no.  Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice.  Staff is frumpy and don't seem to care.   If their app fails, they just shrug it off - try it tomorrow.   Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen.  A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012).    Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.



Health
A+

Health Grade Components

Overall
NCUA #13392
Year Chartered1959
Employees182
Primary Regulator
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD13.41%
Annual Interest Income$61.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.52B$2.27B
LoansQ3 2018vs Q3 2017$1.91B$1.50B
DepositsQ3 2018vs Q3 2017$1.97B$1.88B
Equity CapitalQ3 2018vs Q3 2017$242.9MM$215.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.4MM$9.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.1MM$628.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Stanford Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%--Companion Account - New Money
1.51%--Premier Health Savings Account
0.20%--Share Savings Account
0.20%--Kid's Stanford Savers Account
0.20%--IRA Share
0.20%--Health Savings Account
0.20%--Business Share Savings Account

Stanford Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$2.5k$2.5mMarket Savings Account - Ambassador Relationship
0.70%$2.5k$2.5mMarket Savings Account
0.70%$2.5k-Business Money Management Account
0.60%$2.5k-Business Premier Market Savings Account (BPMSA)

Stanford Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Premier Checking - Ambassador Relationship
0.10%--Premier Checking

Stanford Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$1k-60 Month Premium CD - Partner Relationship
3.30%$1k-60 Month Premium CD - Ambassador Relationship
3.09%$1k-48 Month Premium CD - Partner Relationship
3.09%$1k-48 Month Premium CD - Ambassador Relationship
3.04%$1k-60 Month CD
3.04%$1k-Business 60 Month CD
2.89%$1k-36 Month Premium CD - Partner Relationship
2.89%$1k-36 Month Premium CD - Ambassador Relationship
2.84%$1k-48 Month CD
2.84%$1k-Business 48 Month CD
2.79%$1k-24 Month Premium CD - Partner Relationship
2.79%$1k-24 Month Premium CD - Ambassador Relationship
2.63%$1k-36 Month CD
2.63%$1k-18 Month Premium CD - Partner Relationship
2.63%$1k-18 Month Premium CD - Ambassador Relationship
2.63%$1k-Business 36 Month CD
2.53%$1k-24 Month CD
2.53%$1k-12 Month Premium CD - Partner Relationship
2.53%$1k-12 Month Premium CD - Ambassador Relationship
2.53%$1k-Business 24 Month CD
2.38%$1k-18 Month CD
2.38%$1k-Business 18 Month CD
2.27%$1k-12 Month CD
2.27%$1k-Business 12 Month CD
2.22%$1k-6 Month Premium CD - Partner Relationship
2.22%$1k-6 Month Premium CD - Ambassador Relationship
2.17%$1k-7 Month Premium CD - Ambassador Relationship
2.17%$1k-7 Month Premium CD - Partner Relationship
1.97%$1k-6 Month CD
1.97%$1k-Business 6 Month CD
1.92%$1k-3 Month Premium CD - Partner Relationship
1.92%$1k-3 Month Premium CD - Ambassador Relationship
1.92%$1k-7 Month No Penalty CD
1.92%$1k-Business 7 Month No Penalty CD
1.66%$1k-3 Month CD
1.66%$1k-Business 3 Month CD

Stanford Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$1k-60 Month Premium IRA - Partner Relationship
3.30%$1k-60 Month Premium IRA - Ambassador Relationship
3.09%$1k-48 Month Premium IRA - Partner Relationship
3.09%$1k-48 Month Premium IRA - Ambassador Relationship
3.04%$1k-60 Month IRA
2.89%$1k-36 Month Premium IRA - Partner Relationship
2.89%$1k-36 Month Premium IRA - Ambassador Relationship
2.84%$1k-48 Month IRA
2.79%$1k-24 Month Premium IRA - Partner Relationship
2.79%$1k-24 Month Premium IRA - Ambassador Relationship
2.63%$1k-36 Month IRA
2.63%$1k-18 Month Premium IRA - Partner Relationship
2.63%$1k-18 Month Premium IRA - Ambassador Relationship
2.53%$1k-24 Month IRA
2.53%$1k-12 Month Premium IRA - Partner Relationship
2.53%$1k-12 Month Premium IRA - Ambassador Relationship
2.38%$1k-18 Month IRA
2.27%$1k-12 Month IRA
Locations


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur DrStanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305

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